Date Received: 2023-12-16
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: Lowe 's of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX http//wwwlowes.com. I bought on line ( XX/XX/XXXX ) a storage shed. The person assigned to pick the shed up was XXXX XXXX, who pay it again and did not keep of the receipt of the transaction .On XX/XX/23 we went to the store in order to get a duplicate of the receipt, like in other stores ( XXXX XXXX ). The employee who assisted us were XXXX and XXXX who give us a document that says WAS SOLD TO XXXX XXXX, but not the copy of the receipt. I put a claim on the Synchrony Bank/ Lowe 's Advantage Card XXXX XX/XX/23 I spoke with XXXX . Later I saw that Lowes charged me the amount of {$460.00} again plus interest. I call them and XXXX told me that the case was solved against me ( XX/XX/XXXX ) and they would let me know in writing. Since the letter has not arrived I am turning to you to help me resolve the case. I present this petition in XXXX to Consumer Protection Division and XXXX XXXX and she sent me to your agency. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, I applied for a Sam 's Club membership online. On that same day I went to a Sam 's Club, located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I purchased a laptop, which had {$120.00}, Additional Savings, from the original price of {$590.00}. A Sam 's Club employee ( name not visible ), retrieved the laptop from a locked cage. As that same employee was checking me out at a register, he told me if I applied for a Sam 's Club XXXX I would get an additional 6 % off the laptop. When I got the receipt, I noticed I didn't receive an additional 6 % off the laptop. At approximately XXXX I called the Sam 's Club customer service number : XXXX, and they transferred me to the XXXX department. I was told there wasn't an additional 6 % off the laptop. It was a 1 % cash back on my second statement. I went back to the store to return the laptop, with the intention of buying it again but with a different credit card which will provide me with better benefits. Team leader : XXXX, was not able to do a return to the Sam 's Club XXXX for a credit. A supervisor, ( give me XXXX, as her name ), was also not able to do a return to give me a refund/credit on the Sam 's Club XXXX for a credit. XXXX got another employee who told me I will not be able to receive a refund credit until I get the physical credit card in the mail. I told her it's insane that I can buy something without the physical credit card but not be able to return and get a refund for it. At that point I did not want the laptop, nor did I want to hold on to it until the credit card arrived via the mail. The employees kept telling me I could not receive a refund ; I even had a CSR -customer service rep- on the phone with me, XXXX ( XXXX ). Finally, after such a lengthy time, approximately XXXX, the employee was able to do the return and credit/refund to the Sam 's Club XXXX. I lost the five dollars reward I was supposed to get for becoming a Sam 's Club member that day, because the five dollars was credited to the XXXX, which I no longer want. The acting supervisor told me I can call the XXXX department so they can mail me the five dollars. At that point I didn't even want to be a member of Sam 's Club. I requested a refund for the membership, which the team leader ; XXXX, was once again having a difficult time doing. I wasted my entire afternoon & evening in Sam 's Club. I also wasted time the following day on the phone XXXX with a XXXX. There is absolutely no phone customer service and/or a positive resolution, just a lot of ; 'I 'm sorry '. Calling early during the day made no difference, just another 64 minutes of my time wasted. On XX/XX/2023, I finally received the Sam 's Club XXXX, in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received written notice in the mail on XX/XX/2023 that my XXXX 's store charge card would be making several changes : 1, Introduction of a {$1.00} paper statement fee 2. Increase in interest rate to 31.99 % XXXX charge card is owned by Synchrony Bank. I perceive the {$1.00} statement fee as a junk fee. I also consider interest rates over 31 % to be usury rates. This is absolutely ridiculous. I will be paying off my card and cancelling my account but this seems borderline illegal, especially given recent CFPB guidance to banks on Junk Fees, including paper statement fees. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem when making payments
Subissue:
Consumer Complaint: I applied and was approved for credit on XX/XX/XXXX. I received a statement that my FIRST payment is due on XX/XX/XXXX for {$150.00} PLUS a past-due amount of {$0.00} for a total of {$150.00}. I called and was advised this was due to a system error and to disregard it. I asked for that in writing as I do not want a late payment to affect my credit report and was advised that Synchrony/Allegro do not report to CRAs. I asked to have that in writing but they declined. I asked to speak with a Supervisor and was told someone could call me back. Due to my difficult work hours, I declined. I reviewed my loan agreement and found the following clause : " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am filing a dispute for {$1400.00} made to XXXX XXXX for the XXXX handbag purchased on XX/XX/. An empty XXXX XXXXXXXX envelope was delivered to me which I still have as evidence. I promptly instituted a complaint on XX/XX/ with XXXX XXXX XXXX case ID # XXXX, after which the advised me to contact my credit card company for a refund as the bag was shipped through one of their vendors. I requested the information of the vendor from XXXX to file my complaint, information was declined. I also realized that I had 2 tracking # for the same order on XXXX XXXX attached below which is still delayed. 1. Duplicate results found More than one shipment was found with the following tracking number ( s ). Please click on the tracking number ( s ) below to find your shipment. XXXX DELAYED Estimated delivery date Pending PICKED UP XXXX, GA MANAGE DELIVERY TRACKING NUMBER XXXX FROM XXXX, NJ, US TO XXXX, GA, XXXX SHIP DATE Thu XX/XX/2023 XXXX PM PACKAGING TYPE Your Packaging ORIGIN XXXX, NJ DESTINATION XXXX, GA, US SPECIAL HANDLING Direct Signature Required STANDARD TRANSIT Fri, XX/XX/ by XXXX NUMBER OF PIECES 1 TOTAL SHIPMENT WEIGHT XXXX LB SERVICE TYPE XXXX Standard Overnight Duplicate results found More than one shipment was found with this tracking number ( XXXX ). Please select the correct shipment to add to your summary list. Table contains details of duplicate tracking numbers that are associated with the tracking number. Column one has the tracking number or nickname and the remaining columns provide the status description of the shipments. TRACKING ID SHIP DATE SHIPPER CITY, STATE RECIPIENT CITY, STATE STATUS DELIVERED DATE SCHEDULED DELIVERY DATE SERVICE XXXX XX/XX/2023 XXXX, NJ XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX XXXX XXXX According to the information above the envelope delivered does not have the shipper 's city and state and it is just a bogus shipment with no merchandise. I now decided to go to XXXX to enquire about why I have 2 tracking # for the same order. Based on the paperwork I received from XXXX. I have consistently tried for XXXX to contact XXXX and the vendor to resolve this dispute to no avail. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I previously filed a complaint with you and the XXXX with regards to TJX/Synchrony about a promo they offered. The geniuses on the phone and chat were no help. Synchrony responded that I would receive the offered {$5.00} rewards on XX/XX/2023. The rewards-per the offer was {$10.00}. I reached out to XXXX and advised them that as expected, Synchrony would not follow through with the promotion. The rewards are NOT here as promised per the attached. The CFPB seems to allow financial institutions to misrepresent the status or promotions which in essence is FRAUD. My {$10.00} reward is due TODAY. My terms and conditions going forward are a {$25.00} a day LATE FEE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase for an item that was damaged. I requested PayPal to help get the issue resolved. PayPal claims they are there to help and assist customers and merchants but that has not occurred. That was a hassle within itself but due to the hassle and constant back and forth, I was promised a {$30.00} voucher that has not been applied to my account. I have the confirmation in writing and when I reached out to the person helping, she did not respond. I called PayPal and XXXX the supervisor was rude, disrespectful, cut me off, and muted her line for over 5 mins and refused to talk. I asked for her name numerous times and she would not respond. The voucher still has not been applied to my account and I've been on the phone with PayPal for over 30 mins trying to get a simple voucher I was promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of Care Credit Synchrony. I will be filing a suit against Care Credit Synchrony for willful and negligent violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to opt Out Per XXXX XXXX XXXX Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you or your company in written, non-written, verbal, and non-verbal form. I am rescinding all authorizations per XXXX XXXX XXXX. This is effective immediately and indefinitely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A